Harford County, Maryland Housing Market
In Harford County, Maryland, the median home value is $386,400, with a median monthly rent of $1,586. This places Harford County at #326 nationally out of 3134 counties by median home value, and #12 within Maryland.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,184
- Establishments: 6,231
- BLS QCEW, 2025
Housing Supply
- Single-family: 578
- Multi-family: 137
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 112,298 (avg $99,308)
- Outflow: 108,108 (avg $100,264)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 10 active ZIP codes in Harford County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 21132 | 268.6 | — | 2025 |
| 2 | 21154 | 240.1 | -5.11% | 2025 |
| 3 | 21160 | 252.2 | +2.85% | 2025 |
| 4 | 21034 | 229.8 | +2.47% | 2025 |
| 5 | 21040 | 290.4 | +8.85% | 2025 |
| 6 | 21078 | 275.0 | -0.73% | 2025 |
| 7 | 21050 | 255.7 | +4.07% | 2025 |
| 8 | 21084 | 254.8 | +4.93% | 2025 |
| 9 | 21047 | 252.7 | +4.44% | 2025 |
| 10 | 21001 | 254.2 | +0.40% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Harford County Compares
| Metric | Harford County | Maryland Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $386,400 | $370,016 | $227,706 |
| Median Gross Rent | $1,586 | $1,459 | $968 |
| Owner Occupancy Rate | 79.7% | 72.7% | 73.3% |
| Price/Rent Ratio | 20.3 | 21.1 | 18.7 |
Market Analysis
The median home value in Harford County is 4.4% above the Maryland state average and 69.7% above the U.S. national average. The median rent of $1,586/month is 8.7% above the state average.
With a price-to-rent ratio of 20.3, renting is generally more cost-effective than buying in the short to medium term. The market favors buyers only for long-term holds.
Harford County has an owner-occupancy rate of 79.7%, compared to 72.7% in Maryland and 73.3% nationally. This indicates a more homeowner-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Frederick County | Virginia | $386,000 | $1,507 |
| Seminole County | Florida | $386,900 | $1,783 |
| Lewis County | Washington | $385,800 | $1,097 |
| Sumter County | Florida | $385,400 | $1,269 |
| New Hanover County | North Carolina | $387,800 | $1,417 |
Other Counties in Maryland
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Worcester County | $374,700 | $1,159 | 78.0% |
| St. Mary's County | $407,600 | $1,747 | 73.2% |
| Talbot County | $409,700 | $1,256 | 75.1% |
| Baltimore County | $349,300 | $1,627 | 66.4% |
| Prince George's County | $426,000 | $1,799 | 62.3% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).